Indextra
Integrity Life Insurance Company
7.5%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity that grows your money based on market index performance while protecting against losses, designed to provide retirement income that can last a lifetime.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$15,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| GS Momentum Builder Multi-Asset Class | 2-Year | -- | 200% | -- |
| GS Momentum Builder Multi-Asset Class | 3Y | -- | 250% | -- |
| GS Momentum Builder Multi-Asset Class | Annual | -- | 135% | -- |
| J.P. Morgan Strategic Balanced Index | 2-Year | -- | 157% | -- |
| J.P. Morgan Strategic Balanced Index | 3Y | -- | 192% | -- |
| J.P. Morgan Strategic Balanced Index | Annual | -- | 112% | -- |
| S&P 500 Index | Annual | 7.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4% |
Key Features
Eight Allocation Options
Mix and match between S&P 500 index (1-year), multi-asset indexes (1-3 years), and fixed rate options
Guaranteed Floor
0% minimumIndexed interest rates never drop below 0%, even if markets decline significantly
Tax Deferral
No taxes on credited interest until you withdraw — allows compounding to work longer for you
Free Reallocation
No feesMove money between options at end of each crediting period with no transfer fees
Partial Withdrawal Flexibility
10% annualWithdraw up to 10% of beginning-of-year account value annually without surrender charges
Guaranteed Minimum Account Value (GMAV)
105%-110%Account value guaranteed to grow by 5-10% by end of withdrawal charge period
Declining Surrender Charges
5-10 yearsCharges decrease from 9% in year 1 over 5, 7, or 10-year periods
Highlights
Choose from 8 interest crediting options including S&P 500 index, multi-asset indexes, and fixed rates
Guaranteed minimum 0% interest on indexed options — your money never loses value due to market declines
Tax-deferred growth with flexible reallocation at no charge between crediting periods
Optional lifetime income guarantee (GLWB) that pays you for life regardless of account value
Guaranteed Minimum Account Value (GMAV) benefit adds 5-10% enhancement at end of withdrawal charge period
Surrender Schedule
Yr 1
9%
Yr 2
8.5%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Individuals age 0-85 seeking retirement income growth with downside protection, particularly those comfortable with a 5-10 year commitment and at least $15,000 to invest.
Consider Alternatives If
Those needing immediate access to their full principal, investors seeking direct stock market participation, or individuals who cannot afford to lock money away for 5+ years.
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